What is the difference between an aggregate deductible and an embedded deductible?
Most HSA plans have what is referred to as an aggregate deductible, which means there is one large family deductible that must be met before anyone in the family is covered. (I.E. If a family deductible is $3,000, there must be $3,000 in claims paid out of the client’s pocket before any family member is covered.) An embedded deductible has a family deductible however, “embedded” within it is an individual deductible. Usually the individual deductible is half or one-third of the family deductible. Embedded deductibles are what people are generally used to when they have a traditional PPO health plan.
